The F & M Community Bank, National Association is a business credit card from F & M Community Bank, National Association. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% to 27.99% after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: 4X points on dining, take-out & restaurant delivery, 2X points at grocery stores, gas stations and EV charging stations, 1X points on all other eligible purchases. Cash back: 5% cash back in two categories of your choice, 2% unlimited cash back on one everyday category, 1% unlimited cash back on all other eligible purchases. Typical credit limit: $5,000 - $50,000. Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).